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Pre-Foreclosure Assistance & Guidance You Can Trust

If you're facing financial difficulty or worrying about missed payments, you don’t have to navigate the process alone. I provide clear, attorney-informed guidance to help you understand your options and make the best decision for your future.

Guidance You Can Trust

Understanding Your Options Before Foreclosure

Financial hardship can feel overwhelming, but foreclosure is not your only path. With more than ten years of legal experience, I help homeowners understand their rights, timelines, and alternatives before things escalate. Every situation is different, and my role is to give you clarity—whether that means negotiating with your lender, exploring a sale, or finding a solution that protects your long-term financial well-being. My goal is to provide calm, clear guidance when you need it most.

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What Pre-Foreclosure Really Means

Pre-foreclosure begins when missed payments are reported to your lender, but it doesn’t mean your home is lost. This period offers opportunities to explore solutions, regain control, and prevent long-term financial damage. As both an attorney and a Realtor, I help you understand the legal steps involved, your negotiation rights, and the options available—including loan modifications, repayment opportunities, or selling the property before foreclosure affects your credit. Clear information makes all the difference.

Step 1: Missed Payments (30–60 Days)
Your lender records missed payments. Fees accumulate, but you still have full ownership control.
How I help: I review your situation, explain your rights, and explore early options.

Step 3: Pre-Foreclosure Period Begins

You still have time to take action. This is the most critical stage.
How I help: I negotiate with your lender, help organize documentation, and outline all available alternatives.

Step 2: Notice of Default Issued (Around 90 Days)

The lender formally notifies you that the loan is in default.
How I help: I explain the legal implications and help you prepare a strategy—modification, repayment, or exploring a sale.

Step 4: Opportunity to Sell Before Foreclosure

Many homeowners choose to sell during this period to protect their credit and equity.
How I help: I provide a market evaluation, manage the sale, and guide you through timelines and legal requirements.

Step 5: Foreclosure Sale Scheduled (As a Last Resort)

If no other options are pursued, the lender moves forward with the sale.
How I help: I ensure you understand every remaining option and support you in minimizing long-term financial impact.

Choosing the best choise

Your Options During Pre-Foreclosure

You have more choices than you may realize. My role is to walk you through each one in clear, simple terms so you can make the best decision for your future. Depending on your situation, your options may include negotiating with your lender, modifying your loan, reinstating missed payments, or selling your home before the foreclosure process continues. My goal is to help you move forward with clarity—not fear.

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Let’s Talk About Your Best Path Forward

You don’t have to navigate this alone. I’m here to listen, explain your choices, and help you take control of the situation. With my combined legal and real estate experience, I’ll guide you toward the solution that protects your financial future.

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